My bank informed me this morning that there was an electronic check issued for $124.95 in my checking account then I remembered when I applied for a loan I'd agreed with a 3rd party thing and by knowing what really happened after going back to the website where I did the application, I called the number that my bank gave me. Upon pulling up my information in their system, I was told that I have a membership with top dog, I asked them to cancel it and they immediately cancelled the membership and sent an email confirming this and also provided me with the cancellation confirmation number over the phone. next time I'll read thoroughly the terms before proceeding.